Is Sunrise Credit Services a Scam or is it Legitimate?

1. Demand Debt Validation: A legitimate agency will provide a debt validation letter containing the original creditor's name, the total balance, and a breakdown of fees. Scammers often make excuses or refuse to send this via mail.
2. Watch for Phishing Texts: Consumers report receiving vague text messages claiming they owe money. Do not click on any suspicious links in unexpected texts or emails.
3. Check the Original Creditor: Collection agencies like Sunrise collect for banks, healthcare providers, and telecom companies (like AT&T or Xfinity). Check your original account or contact the supposed creditor directly to see if the debt is real.
4. Beware of Spoofed Numbers: Scammers may spoof phone numbers or use fake caller IDs. Never give out your credit card number over the phone unless you are 100% certain you owe the debt.

What to Do If You Are Targeted

If you are receiving calls or messages, take the following steps to protect yourself:

• Do not admit to the debt or make a payment immediately: Paying even a small amount can legally restart the statute of limitations on an old debt.
• File a dispute: If you do not recognize the debt, dispute it immediately with the three major credit bureaus (Equifax, Experian, TransUnion).
• Contact the agency directly: Instead of responding to questionable texts, reach out to the official agency yourself. You can find their verified contact information on the Sunrise Credit Services Home Page.